# BANKANNAPOLIS
ANNAPOLIS, MD · FDIC certificate 32740 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $439.0M | |
| Deposits | $349.3M | |
| Loans and leases | $277.7M | |
| Total equity | $36.6M | |
| Loans / deposits | 77.23% (p56 of band) | 74.76% |
| Liquid assets / assets | 32.81% (p56 of band) | |
| Uninsured deposits / deposits | 14.58% (p41 of band) | 16.74% |
| Brokered deposits | 2.08% | |
| Wholesale funding | 13.64% (p83 of band) | |
| FHLB advances / assets | 7.97% | |
| Tier 1 leverage | 8.08% (p13 of band) | 9.77% |
| Unrealized securities loss / equity | 3.21% (p52 of band) | 2.98% |
| AOCI / equity | -0.39% (p42 of band) | |
| ROA (annualized) | -0.30% (p4 of band) | 0.80% |
| Net interest margin | 3.55% (p53 of band) | 3.52% |
| Efficiency ratio | 78.03% (p71 of band) | |
| Noncurrent loans | 4.32% (p86 of band) | 1.55% |
| Net charge-offs (annualized) | 0.02% (p40 of band) | |
| Reserve coverage of noncurrent | 66.16% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 99.55% (p92 of band) | |
| Auto loans | $187,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 90 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-09-10 [FNB gets name on downtown Baltimore building as part of new regional HQ - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdW1UZWU1N2ZyTGoxNGtCVTRvTW5ldHBsZFB3RUpoZ1lOc3A4WjJ3YXJidFhpYjB0TzBuQ2hkcUhQTS1DVDhLX3hUc2w1QTRCWHhiVHltY0dtcHQ2VUtvTFgxY2t2MFhKQjI5VU93bTNBRFZ4bzJlZll1cUFFYm5FamtNY3NULXNCSHJuTGc2SjA4bXF2T2pMYmdn?oc=5) · The Business Journals
- 2011-12-21 [What’s Up with ‘Waugh Chapel South?’ - Patch](https://news.google.com/rss/articles/CBMid0FVX3lxTE53ZVdTYW5zRmJ5Q1o4Vno0d3hSSTg4QW1VcGVDd1pPQmJOZUhGOGFITGZSN2ZQa0lfdDM3WFlYbUpKLS0wd19QeGhxNUl5Ukx0S2ZxNkF2cHQ0Y1RDTWJNcnBBeURBQmpPei15UzA5QjJoRmw3NVhj?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32740 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "32740", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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